Chris Rafuse

Choosing a financial partner is one of the most important decisions you will ever make, for yourself or for your family. That's why so many astute Nova Scotians choose Assante Hydrostone and our Wealth Planning approach. There is a tremendous advantage to having one contact for all your wealth management needs - an expert who is intimately acquainted with, and personally in touch with every detail of your family's financial affairs. Supported by the exceptional investment management team and wealth planning resources available through our sister-companies CI Investments Inc. and United Financial, a division of CI Private Counsel LP you can have peace of mind, knowing that your Assante Hydrostone advisor can handle all of your financial needs. But it all starts with you. Only by understanding your needs and goals can your Assante advisor design a comprehensive strategy that will meet, or exceed, them. Please visit https://www.assante.com/legal or contact Assante at 1-800- 268-3200 for information with respect to important legal and regulatory disclosures. Assante Financial Management Ltd., a registered mutual fund dealer, is a member of the Mutual Fund Dealers Association of Canada (“MFDA”), and MFDA Investor Protection Corporation. Assante Capital Management Ltd. (ACM) is a Member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada. Know Your Advisor: To research the background, qualifications and disciplinary information on advisors at IIROC regulated firms please generate an IIROC Advisor Report at www.iiroc.ca/investors/knowyouradvisor. The opinions expressed are those of the author and not necessarily those of AFM or ACM.” Insurance products and services are provided through Assante Estate and Insurance Services.